East Dubuque Savings Bank in Dubuque, Iowa (IA), IL



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East Dubuque Savings Bank routing number info

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East Dubuque Savings Bank
GeneralFDIC Certificate #: 5733
Status: Active
Federal Reserve ID: 913838
Bank Holding Company (Regulatory Top Holder): East Dubuque Bancshares, Inc. (RSSDID: 2121310, Location: East Dubuque, IL)
Date Established: December 05, 1891
WWW: http://www.edsb.com
Trust Powers Granted: No
Bank Charter Class: Commercial bank, state charter and Fed member, supervised by the Federal Reserve (FRB)
Offices: 2 (Domestic: 2, Interstate: Yes)
OTS Docket #: 16434
FDIC's unique #: 3908
Numeric code: 13
Regulator: FED
Insurance Fund Membership: Deposit Insurance Fund (DIF)
Insured commercial Banks: Yes
FDIC Insured: Yes
Deposit Insurance Fund member: Yes
Ownership Type: Non-Stock
FFIEC Call Report 31 Filer: No
State Chartered: Yes
Subchapter S Corporations: Yes
Asset Concentration Hierarchy: Commercial Lending Specialization
Date of Deposit Insurance: January 01, 1934
Last Structure Change Effective Date: June 21, 2010
Last Structure Change Process Date: July 29, 2010
Last Data Update: July 29, 2010
Data Source Date: April 05, 2012
LocationAddress: 475 Cedar Cross Road, Dubuque, IA 52003
County: Dubuque
Quarterly Banking Profile Region: Kansas City
FDIC Geographic Region: Kansas City
FDIC Supervisory Region: Kansas City
FDIC Field Office: Cedar Rapids
Office of the Comptroller the Currency (OCC) District: Midwest
Office of Thrift Supervision Region: Western
Metropolitan Statistical Area (MSA): Dubuque, IA (#2200)
Core Based Statistical Area (CBSA): Dubuque, IA (#20220)
CBSA Metro Statistical Area: Dubuque, IA (#20220)
History of ChangesChange in Location
Financial SummaryTotal assets: $164.9 mil
Equity capital: $15.0 mil
Deposits held in domestic offices: $132.6 mil
Return on assets (ROA): 0.62% ($1.0 mil)
Quarterly return on assets: -0.10% (-$0.2 mil)
Return on Equity (ROE): 7.34% ($1.1 mil)
Quarterly return on equity: -1.09% (-$0.2 mil)
Net income: $1.1 mil
Quarterly Net income: -$0.0 mil
Pretax return on assets: 0.64% ($1,055.1 mil)
Quarterly Pretax return on assets: -0.11% (-$181.3 mil)

1992 - 1999 Historical total assets, liabilities and capital ($ mil)

2000 - 2011 Historical total assets, liabilities and capital ($ mil)

Historical Total Incomes ($ mil)

Historical Total Expenses ($ mil)

Historical total employees (full-time equivalent)

Assets and Liabilities (December 31, 2011)
(Dollar figures in thousands)
Total employees (full-time equivalent)46
Total assets$164,853
Cash and due from depository institutions$3,630
Interest-bearing balances$0
Securities$23,709
Federal funds sold & reverse repurchase agreements$4,782
Net loans & leases$121,630
Loan loss allowance $2,258
Trading account assets$0
Bank premises and fixed assets$3,042
Other real estate owned$1,247
Goodwill and other intangibles$110
All other assets$6,703
Life insurance assets$164,853
Total liabilities and capital$149,856
Total liabilities$132,568
Total deposits$115,156
Interest-bearing deposits$132,568
Deposits held in domestic offices$93
% insured (estimated)919.00%
Federal funds purchased & repurchase agreements $0
Trading liabilities$12,000
Other borrowed funds $1,450
Subordinated debt $2,919
All other liabilities $14,997
Total equity capital$14,997
Total bank equity capital$14,997
Perpetual preferred stock$0
Common stock$600
Surplus$5,235
Undivided profits $9,162
Memoranda
Noncurrent loans and leases $0
Noncurrent loans that are wholly or partially guaranteed by the U.S. government $0
Income earned, not collected on loans $3,602
Earning assets $0
Long-term assets (5+ years) $709
Average Assets, year-to-date $150,121
Average Assets, quarterly $23,012
Volatile liabilities $170,304
Insider loans $164,166
FHLB advances $127,760
Loans and leases held for sale $166,237
Unused loan commitments $4,283
Tier 1 (core) risk-based capital $3,866
Tier 2 risk-based capital $14,831
Total risk weighted assets $0
Total unused commitments $417
Restructured Loans and leases $14,179
Derivatives$7,622
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Income and Expense (December 31, 2011)
(Dollar figures in thousands)
Total interest income $8,648
Total interest expense $2,758
Net interest income $5,890
Provision for loan and lease losses $575
Total noninterest income $799
Fiduciary activities $0
Service charges on deposit accounts $237
Trading account gains & fees $0
Additional noninterest income $562
Total noninterest expense $5,172
Salaries and employee benefits $3,080
Premises and equipment expense $681
Additional noninterest expense $1,411
Pre-tax net operating income $942
Securities gains (losses) $153
Applicable income taxes $38
Income before extraordinary items $1,057
Extraordinary gains - net $0
Net income attributable to bank $1,057
Net charge-offs $0
Cash dividends $1,057
Sale, conversion, retirement of capital stock, net $1,196
Net operating income $0
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Performance and Condition Ratios (December 31, 2011)
(Dollar figures in thousands)
Performance Ratios (%, annualized)
Yield on earning assets5.51%
Cost of funding earning assets 1.76%
Net interest margin 3.75%
Noninterest income to earning assets 0.51%
Noninterest expense to earning assets 3.29%
Net operating income to assets 0.53%
Return on assets (ROA) 0.62%
Pretax return on assets 0.64%
Return on equity (ROE) 7.34%
Retained earnings to average equity (YTD only) 7.34%
Net charge-offs to loans 0.93%
Credit loss provision to net charge-offs 48.08%
Efficiency ratio1.27%
Assets per employee$76,887
Cash dividends to net income (YTD only)3.58%
Condition Ratios (%)
Loss allowance to loans 0.00%
Loss allowance to noncurrent loans 1.82%
Noncurrent assets plus other real estate owned to assets 62.69%
Noncurrent loans to loans 2.94%
Net loans and leases to deposits2.91%
Net loans and leases to core deposits 91.75%
Equity capital to assets 100.45%
Core capital (leverage) ratio 9.10%
Tier 1 risk-based capital ratio 8.92%
Total risk-based capital ratio 11.61%
Memoranda
Average assets$13
Average earning assets$170,304
Average equity $14,403
Average loans $156,975
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1 Illinois Branch as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
2359060East Dubuque Branch242 Wall Street, East Dubuque, IL 61025January 03, 2000Full Service Brick and Mortar
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1 Iowa Branch as of April 05, 2012
NoIDNameAddressEstablishedService TypeMap
03908East Dubuque Savings Bank475 Cedar Cross Road, Dubuque, IA 52003December 05, 1891Full Service Brick and Mortar
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